Explore Seller Financed Mortgages and Real Estate Opportunities

Looking for a seller financing calculator or want to learn more about seller financing for homes? We specialize in seller financing for real estate, offering unique opportunities for both buyers and sellers. Explore the benefits of a seller-financed mortgage and discover how our seller financing calculator can help you make informed decisions. Whether you're interested in seller financing for homes or other real estate ventures, we provide the expertise you need.

Seller Financing Calculator

Transform your rental property into passive income - become the bank instead of the landlord

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Rent Roll
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Operating
Expenses
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Property
Valuation
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Financing
Terms
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Earnings
Summary

Current Property Operations: Income

Capital Gains Information
The price you originally paid for the property
Rental Roll
Unit # Unit Type Monthly Rent ($) Occupied Actions
1 Unit 1
2 Unit 2
3 Unit 3
4 Unit 4
5 Unit 5
Other Income
Laundry, parking, storage, RUBS, vending, etc.

Current Property Operations: Expenses

Operating Expenses (Annual)
Deferred Maintenance
Add any large deferred maintenance items that will need to be addressed. These items will be evaluated in the property valuation.
Item Description Estimated Cost ($) Actions

Property Valuation

Income Capitalization Approach

Seller Financing Terms

Your Seller Financing Deal Summary

Property Valuation
Base Valuation (Cap Rate Method): $0
Less: Deferred Maintenance: $0
Adjusted Market Value: $0
Deal Structure
Sale Price: $0
Cash at Closing: $0
Amount You Finance: $0
Property Cap Rate: 0%
Financing Interest Rate: 0%
Deal Safety (DSCR): 0.00
Annual Investment Return Comparison
Current NOI (for comparison): $0
Annual Financing Income: $0

Seller Financing Benefits
Cash Windfall at Closing: $0
Total Interest Earned (5 Years): $0
Realtor Commission Savings: $0
Capital Gains Tax Savings: $0
Total Combined Benefits: $0
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Capital Gains Tax Analysis
Capital Gains
Sale Price: $0
Purchase Price: $0
Total Gains: $0
Tax Rates (California, Assuming Single Filer)
Federal Capital Gains: 15%
California State: Progressive
Net Investment Tax: 3.8%
Federal: 15% starting at $0, 20% above $533,400
California: Progressive income tax (1%-12.3%)
NIIT: 3.8% when MAGI exceeds $200K
Scenario Federal Tax State Tax NIIT Tax Total Tax Net Proceeds
Lump Sum Sale $0 $0 $0 $0 $0
Seller Financing (Total) $0 $0 $0 $0 $0
Tax Savings from Seller Financing $0 $0 $0 $0 $0
Key Benefit: By using seller financing, you can spread your capital gains over the loan term instead of paying all taxes at once, saving $0 in total taxes! This works because both California (progressive income tax) and federal (lower brackets) treat smaller annual gains more favorably, plus you avoid NIIT on the annual amounts.
Disclaimer: Tax calculations are for illustration purposes only.

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